Methods and apparatus for tokenizing securities according to various aspects of the present technology include various modules for facilitating a controlled exchange environment for tokens residing on one or more distributed ledgers. The modules are configured to create and issue tokens on one or more distributed ledgers and verify that a wallet of a recipient or other entity is qualified to receive the token before allowing the transfer of the token into the wallet. The modules may also restrict access to the token until one or more predetermined events take place.

One or more implementations of the present specification provide a method and an apparatus for implementing a confidential transaction in a blockchain network. The method can include: determining a remittance amount between a remitter and a remittee; creating a remittance transaction based on a selected asset amount commitment in the remitter account and a specified number corresponding to each selected asset amount commitment; and submitting the remittance transaction to the blockchain network, thereby causing the blockchain network, or programs monitoring the blockchain network, to perform operations comprising: subtracting the corresponding specified number from a total number corresponding to each selected asset amount commitment, increasing the revenue balance of the remitter account by a change amount commitment after the transaction is completed, and increasing a revenue balance of a remittee account corresponding to the remittee in the blockchain ledger by the remittance amount commitment after the transaction is completed.

Identity matching via a mobile device is facilitated when a user attempts to access a restricted-access account with the mobile device. The identity of the user is verified based on the mobile number of the mobile device, personal identifying information provided by the user, user information for the mobile account associated with the mobile number, and user information from a credit bureau. The user information for the mobile account can be retrieved from the mobile carrier that provides the mobile account, and the user information from the credit bureau can be determined based on the user information for the mobile account. Thus, an authorization entity can verify that the identity of the user attempting to access the restricted-access account matches the identity of the holder of the account, even when the holder of the account is not the primary name associated with the mobile account for the mobile device.

Implementations of the present disclosure include receiving, from a first account, a digitally signed copy of a commitment value of a first amount of a transaction amount generated based on a first random number, the first amount of the balance transfer and the first random number encrypted using a public key of the first account, a second amount of the balance transfer and a second random number encrypted using a public key of the second account, and a set of values generated based on one or more selected random numbers. The first account determines if the first amount and the second amount are the same and if the first random number and the second random number are the same based on the set of values, and updates the balance of the first account and a balance of the second account based on the first amount of the balance transfer.

Systems and methods for token linking and unlinking in digital wallets are disclosed. In one embodiment, a method for token linking in digital wallets may include: an issuer wallet application executed by the information processing device requesting, from a token vault, an identification of a customer's accounts that are eligible for push-provisioning to a third party wallet application executed by the information processing device; receiving the identification of customer accounts from the token vault; identifying accounts provisioned in the third party wallet application; determining accounts from the customer accounts that have not been provisioned to the third party wallet application to provision to the third party wallet application; provisioning the determined accounts to the third party wallet application; and requesting the token vault link a token associated with the provisioned account to an issuer wallet associated with the issuer wallet application.

Techniques for improved asset management in an asset-based distributed ledger such as a blockchain system are disclosed. In one method, an asset balance structure is obtained, wherein the asset balance structure specifies asset balances, as of a given point in time, for a set of blockchain addresses associated with a blockchain system comprising blocks that reflect transactions associated with the assets. One or more transactions associated with the assets for any of the set of blockchain addresses that occur after generation of the asset balance structure are obtained. The one or more transactions associated with the assets that occur after generation of the asset balance structure are applied to the asset balance structure to generate an updated indication of the asset balances for the set of blockchain addresses. Advantageously, a given asset wallet stores the asset balance structure rather than the entire set of blocks of the blockchain system.

A data processing method includes: sending, by a cost balancing subsystem, an authentication request about a user to a cost transfer subsystem, the authentication request requesting authentication of the user; sending, by the cost transfer subsystem according to an authentication result, a directed electronic voucher to a client terminal of the user, the directed electronic voucher being used as a payment voucher for a directed resource cost of the user; sending, by a resource subsystem according to the directed electronic voucher presented by the client terminal of the user, a payment request to the cost balancing subsystem through the cost transfer subsystem, the payment request requesting payment of the resource cost of the user; and confirming, by the cost balancing subsystem, the payment request and transferring, by the cost balancing subsystem, the resource cost of the user to the resource subsystem through the cost transfer subsystem.

Provided are a method and apparatus for processing digital asset based on blockchain. The method comprises: acquiring target digital assets to be transferred into a primary account, wherein the primary account is an account created on the blockchain; and transferring the target digital assets into the primary account, wherein the primary account corresponds to multiple sub-accounts, each sub-account links to a digital asset transfer object, and the target digital assets transferred into the primary account is configured to be allowed to be transferred between the primary account and an account in the digital asset transfer object linked to at least one sub-account. By the present application, the problem in the related art that the operation is inconvenient due to the fact that the registration and trusteeship of target digital assets cannot be subjected to a cross-platform transaction is solved.

The present disclosure relates generally to a system that tracks the funding source of an amount of funds as the funds are transferred between various accounts or balances of various components of the system.

In one embodiment, a method includes receiving a request for payment associated with a transaction between a merchant and a customer, where a payment amount is specified in a fiat currency, determining a preference of the customer to pay for the transaction using a security asset, and verifying that a value of the security asset held by the payment system and assigned to the customer is sufficient to satisfy the payment amount. The method also includes initiating a transfer of at least a portion of the value of the security asset from a customer balance of the customer to a service balance of the payment service, initiating a transfer of a value in the fiat currency from the service balance of the payment service to a merchant balance of the merchant, and storing a record of the transaction between the customer and the merchant.